Blog Index

This week’s main blog discussions include … Is 2025 Meta’s nemesis year? Thinking about the Big Tech firms, most of them are enabling commerce. Amazon and Apple are building specific structures to make buying and selling easy. But one company is enabling fraud, scams and criminal activities. Meta. Meta runs Facebook, Instagram and WhatsApp, as…

This week’s main blog discussions include … Why are fintechs worth more than banks? I just got the latest Finch Capital report on The State of Fintech 2024. Many of us think that fintech valuations and investments have gone through the floor, and this reports make clear that it depends where you are. The UK…

This week’s main blog discussions include … US banks invest three times more in tech than European banks I got an interesting question in my recent banking presentation: US banks have spent far more on technology than banks in Europe – will European banks ever be able to catch-up? It is true that American banks…

The main blog discussions this week include … Everything you don’t understand about money combined with everything you don’t understand about computers There’s a quote I often use from John Oliver that cryptocurrency is “everything you don’t understand about money combined with everything you don’t understand about computers”. That was 2018. It’s now 2024, and…

This week’s main blog discussions include … Schrödinger’s Cat, qubits and the future of everything I’ve spent a long time trying to get under the hood of Quantum Computing and always come back to Schrödinger’s Cat. Schrödinger’s Cat is a famous thought experiment that demonstrates the idea in quantum physics that tiny particles can be in…

This week’s main blog discussions include …          What does Kamala Harris think of crypto? It seems weird to debate a US presidential election based on attitudes towards cryptocurrencies but, as previously blogged, Donald Trump is very pro-crypto. His attitude turned with NFTs of his image. Nothing like narcissism. Back then, I was blogging about Donald…

This week’s main blog discussions include … The secret sauce of Stripe’s success Your morning coffee purchase travels through 15 countries in 0.3 seconds. It’s not magic. It’s a global network of invisible digital pipes and two college dropouts saw their world-changing potential. Two brothers. Meet Patrick and John Collison: the architects of our digital…

This week’s main blog discussions include … Intelligent Money is now audible Earlier this year, we launched a new book Intelligent Money: When Money Thinks For You, which is doing well and reviews are good. The premise of the book? If you can decentralise money and make it intelligent with AI, what do regulators and banks do?…

The main blog discussions this week include … Which European country worries the most about money? I just got pinged with some research about which countries are trying to save money the most from Finansvalp, a Swedish price comparison service and information site that writes about and compares banking services. Usually I ignore such surveys…

This week’s main blog discussions include … Is the fintech bloodbath over? I find it hard to believe that two years ago I was writing about a fintech bloodbath and, two years later, it continues. The drying up of funding, the post-pandemic recession, the way in which the markets were moving from funding to divesting….